Coverage description
An Insurance Services Office (ISO) standard form. It covers perishable stock at the scheduled premises against spoilage from breakdown or contamination of refrigeration equipment or from power outage, as chosen in the schedule, with its own limit, deductible and valuation options.
How the form has changed
1 change across 1 revision, newest first. Each edition is compared with the one before it, using wording from filed copies.
12 20 edition
Dec 2020, compared with 06 07Latest editionThe cyber incident exclusion now applies to spoilage coverage along with the other listed exclusions from the causes of loss form.
06 07
“d. War And Military Action; and e. Water.”
12 20
“the Cyber Incident Exclusion or the Cyber Incident Exclusion With Ensuing Cause(s) Of Loss Exceptions, whichever applies”
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 12 20Dec 2020Latest | 81 | 70 | 27 | Dec 2021 to Jul 2026 |
| 06 07Jun 2007 | 14 | 16 | 8 | Nov 2021 to Jun 2024 |
Filed by one company only: 06 95 (3 filings).
1 other edition date appears in one or two filings each, often carrier-specific versions: 10 12.
What the filings show
- Edition in use: in the past 12 months, 5 companies filed the 12 20 edition.
- The 06 95 edition appears only in filings from one company (3 filings in 3 states since Oct 6, 2023), which suggests a carrier-specific version.
- CP 10 75 (Cyber Incident Exclusion) is filed alongside it most often, in 75 of the same filings (76%).
Filed under
Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Jul 2026, excluding withdrawn and rejected filings. One filing can cover several affiliated companies.
Carriers filing this form
The 10 carrier groups with the most filings that include CP 04 40, out of 37 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Nationwide Corporation Group9 group companies filed it, led by Allied Insurance Company of America and Nationwide Property and Casualty Insurance Company | 12 | 4 | 12 2006 07 | Apr 19, 2024 |
| Grange Mutual CAS Group6 group companies filed it, led by Grange Indemnity Insurance Company and Grange Insurance Company | 10 | 10 | 12 20 | May 10, 2023 |
| ACP Insurance Mgmt LLC GroupAccelerant National Insurance Company | 6 | 5 | 12 2010 12 | Mar 21, 2025 |
| Markel Corporation Group3 group companies filed it, led by State National Insurance Company, Inc. and Markel Insurance Company | 6 | 4 | 06 0712 20 | Jul 6, 2023 |
| Guideone Insurance Group2 group companies filed it, led by GuideOne Mutual Insurance Company and GuideOne Specialty Mutual Insurance Company | 5 | 2 | 12 20 | Feb 24, 2023 |
| WCF Mutual Insurance Company Group2 group companies filed it, led by Associated Indemnity Corporation and WCF National Insurance Company | 5 | 3 | 12 20 | Mar 26, 2024 |
| Siriuspoint GroupSiriusPoint America Insurance Company | 4 | 2 | 12 20 | Sep 20, 2023 |
| Amerisure Company Group3 group companies filed it, led by AMERISURE INSURANCE COMPANY and AMERISURE MUTUAL INSURANCE COMPANY | 3 | 3 | 12 20 | Jul 7, 2023 |
| Amtrust Financial Services Group6 group companies filed it, led by CorePointe Insurance Company and First Nonprofit Insurance Company | 3 | 1 | 12 20 | Feb 8, 2023 |
| Encova Mutual Insurance Group3 group companies filed it, led by Motorists Mutual Insurance Company and Phenix Mutual Fire Insurance Company | 3 | 2 | 06 07 | Jun 25, 2024 |
How the largest insurers handle CP 04 40
Groups among the largest commercial property insurers that filed CP 04 40 or their own version in the past five years.
- Berkshire Hathaway GroupUses CP 04 40 in 1 filing
- Travelers GroupUses CP 04 40 in 1 filing
- Liberty Mutual GroupFiles its own version: 1P0438FR Spoilage Coverage (30 states)
See more forms
Search related forms, compare editions, and research carrier filings with FilingFocus.
States
Number of filings that include CP 04 40 in each state, Oct 2021 to Jul 2026. Darker states have more filings.
Often filed with
Standard-style form numbers that appear in the same filings most often.
- CP 10 75Cyber Incident Exclusion75 filings
- CP 10 33Theft Exclusion68 filings
- CP 00 10Building and Personal Property Coverage Form67 filings
- CP 00 30Business Income (and Extra Expense) Coverage Form67 filings
- CP 00 18Condominium Commercial Unit- Owners Coverage Form66 filings
- CP 12 18Loss Payable Provisions64 filings
- CP 00 32Business Income (Without Extra Expense) Coverage Form63 filings
- CP 10 30Causes of Loss - Special Form63 filings
- CP 10 10Causes of Loss - Basic Form62 filings
- CP 10 20Causes of Loss - Broad Form62 filings
Recent filings
Latest filings that include this form number. Filed copies open in FilingFocus.
| Submitted | Company | State | Editions | Tracking number |
|---|---|---|---|---|
| Jul 17, 2026 | Mississippi Farm Bureau Casualty Insurance Company | MS | 12 20 | SFBC-134997156 |
| Jul 16, 2026 | Southern Farm Bureau Casualty Insurance Company | LA | 12 20 | SFBC-135019625 |
| Jun 3, 2026 | CopperPoint Casualty Insurance Companyand 1 more | SC | 12 20 | COPP-134971651 |
| May 27, 2026 | Alaska National Insurance Company | SC | 12 20 | ALNI-134963185 |
| Sep 8, 2025 | Starr Indemnity and Liability Company | CA | 12 20 | AUTH-134647369 |
| Aug 9, 2025 | Starr Indemnity and Liability Company | NM | 12 20 | AUTH-134633372 |
| May 1, 2025 | Universal Fire and Casualty Insurance Company | SC | 12 20 | UFCI-134516617 |
| Apr 30, 2025 | Selective Way Insurance Company | MO | 12 20 | SELC-134494115 |
| Apr 30, 2025 | Universal Fire and Casualty Insurance Company | IL | 12 20 | UFCI-134515065 |
| Mar 21, 2025 | Accelerant National Insurance Company | CA | 12 20 | SPRO-G134354982 |
| Mar 13, 2025 | Hastings Mutual Insurance Company | IL | 12 20 | HAST-134127875 |
| Feb 27, 2025 | Western Community Insurance Company | WA | 12 20 | FMID-134437278 |
Most filed ISO CP forms
- CP 03 21 Windstorm Or Hail Percentage Deductible
- CP 10 36 Limitations On Coverage For Roof Surfacing
- CP 12 19 Additional Insured - Building Owner
- CP 99 03 Cannabis Exclusion
- CP 10 75 Cyber Incident Exclusion
- CP 00 10 Building and Personal Property Coverage Form
- CP 00 30 Business Income (And Extra Expense) Coverage Form
- CP 12 18 Loss Payable Provisions
- CP 04 11 Protective Safeguards
- CP DS 00 Commercial Property Coverage Part Declarations Page
- CP 10 30 Causes of Loss - Special Form
- CP 03 20 Multiple Deductible Form
See more carrier forms
Search forms by carrier, line of business, state, and wording with FilingFocus.